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I have filed MFJ for as long as we've been married but am considering filing MFS because it may save on federal taxes.

I gather from the rest of your post that you have only one job between you. Unless you live in a community property state, you're going to be better off with a joint return. If you do live in a community property state, separate returns may be worth investigating. In the meantime, if separate returns are a possiblity, hold off on the Roth IRA contributions. You become totally ineligible for Roth contributions at $10,000 AGI on separate returns.

Phil Marti
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